Tariffs of Raiffeisenbank cash settlement services for legal entities and individual entrepreneurs - working with the personal account of cash settlement services for small businesses. Reviews about Raiffeisenbank Advantages of cash settlement services in Raiffeisenbank

The basic tariff includes mandatory services included in the full price:

• opening a current account;
• access to an online resource;
• transfer of wages to employee cards.

The “Optimum” and “Maximum” tariffs are complemented by a corporate card and an SMS notification option.

The bank additionally offers services for organizing a business:

1. Salary project, which includes providing all company employees with free bank cards and participation in a loyalty program from partners. Servicing operations related to the movement of money will be free when you activate the “Salary” service package.

2. Bank guarantees up to 145 million rubles for participation in government procurement.

3. Large loans on comfortable terms for business development.

4. Acquiring, that is, the ability to make payments non-cash, involves several types that involve payment of commissions:

• trading - in the amount of up to 1990 rubles, depending on the level of turnover of funds per payment terminal, plus a fee of 1.79% of the payment amount;
• Internet - in the amount of 2.7% from the turnover of funds;
• mobile - with a fixed commission of 900 rubles.

5. Currency control, which involves support of foreign economic transactions.

6. Collection, the cost of which is calculated individually and depending on geography and volume of services.

7. SMS notification costs 190 rubles per month, if not included in the tariff.

Package offers

Raiffeisenbank offers clients four packages of services designed for different levels of enterprise development:

"Start" with a subscription fee of 990 rubles, assumes:

• commission-free money transfers to cards of individuals up to 100 thousand rubles;
• payment cost 25 rubles;
• free registration and servicing in online banking.

"Base" with a subscription fee of 1900 rubles, includes:

• commission-free transfers to cards of individuals up to 200 thousand rubles;
• 10 payments per month without charge, and for subsequent ones - 25 rubles for each;
• free services: Internet bank Raiffeisen Business Online and mobile application.

"Optimum" costing 2900 rubles per month, includes:

• the ability to transfer up to 500 thousand rubles to cards to individuals without charging a commission;
• carrying out 60 free payment transactions, and subsequent ones cost 25 rubles;
• free functionality in the form of: remote services, SMS notifications, cards to the “Business 24/7” current account, VIP service for the manager.

"Maximum" with a subscription fee of 7,500 rubles and a set of services:

• 300 free payments;
• 700 thousand rubles for transfers not subject to commission;
• corporate card;
• "SMS notification" option;
• "Mobile Bank-Client" system;
• two packages of privileged services for management.

You can save on monthly maintenance by getting a discount in:

• 25% if payment is made in advance;
• 100% if you recommend bank service to a friend.

Which tariff should I choose?

A business representative with the status of an individual entrepreneur, LLC or JSC has the right to independently choose a tariff plan that is beneficial to him, depending on production volumes, the operating mode of the enterprise and financial activity.

Rates "Start" And "Base" suitable for:

• who is just starting to do business;
• has a small number of employees.

Rate "Optimum" will suit both representatives of small and medium-sized businesses conducting active production activities.

Connect tariff "Maximum" and companies with stable incomes, a high level of production, and a solid turnover of funds can afford not to be denied anything, and have all the advantages of high-quality banking services from Raiffeisenbank.

What services are included in RKO?

The list of main operations includes:

• opening a current account;
• current account reservation;
• collection services;
• high-tech remote maintenance;
• corporate card products;
• currency and conversion transactions;
• cash transactions;
• payments and transfers in rubles;
• deposits;
• loans.

An account can be opened in both national and foreign currency.

In this article we will look at how to open a current account with Raiffeisenbank. We will analyze the tariffs for individual entrepreneurs and LLCs, the terms of cash settlement services and the capabilities of Internet banking. We have prepared for you the procedure for submitting an online application to the bank and collected feedback.

About the Bank

The bank has been operating in the Russian Federation for more than 20 years, serving individuals and corporate clients. Key services provided by Raiffeisenbank are opening a current account for individual entrepreneurs and LLCs, salary projects, acquiring, deposits, etc.

More about the bank

Advantages of a current account with Raiffeisenbank for individual entrepreneurs and LLCs

Cooperation with the bank provides the following benefits for business:

• Free remote account reservation.
• Remote maintenance.
• Discounts up to 25% on account management when paying in advance.
• Promotions and bonus offers for small businesses.
• Possibility of issuing corporate cards with a grace period of 45 days.

Tariffs for cash settlement services at Raiffeisenbank

The bank has developed 4 tariffs for individual entrepreneurs and LLCs: Start, Basic, Optimum and Maximum. The cost of a payment above the limit for any city of service is 25 rubles.

Detailed tariffs

How to open a current account at Raiffeisenbank

Opening an account for individuals and legal entities is approximately the same. To do this you need to follow several steps:

1. Go to the bank's website and fill out an application for booking an account. (you will receive the number via email within 5 minutes. You can immediately indicate it in contracts with counterparties).
2. Wait for a call from a bank representative to select a tariff and clarify the details of the application.
3. Prepare and upload copies of documents to the Raiffeisenbank website.
4. Agree on the time and place of meeting with the courier.
5. Sign the contract.

Documents for individual entrepreneurs

To open an account you will need:

• Statement.
• Russian Federation passport.
• Power of attorney and passports of persons who will be given access to the account.
• Licenses or patents (if any).

Documents for LLC

To open an invoice you need to prepare:

• Statement.
• Charter
• Minutes of the meeting of founders on the appointment of a director.
• Documents confirming the rights of the single executive body.
• Licenses (if any).

Settlement and cash services

Within the framework of cash settlement services, the bank offers not only opening and maintaining an account, but also a whole range of services. For example, you can automate the issuance of salary, withdraw money from your account through an ATM,

accept payments from customers using cards, etc. Let's look at each service in more detail.

Open an account

Salary project

Raiffeisenbank offers to use cards to pay salaries to employees. The salary project is connected free of charge, and there are 3 tariffs for employees: Salary, Gold and Premium 5:

Advantages of Raiffeisenbank's salary service:

• Automated salary transfer system.
• Saving time and money.
• Confidentiality of payments.

Trade acquiring

As part of acquiring, you can accept payments from customers using plastic cards. Raiffeisenbank offers two options for providing services:

Main features of Raiffeisenbank trade acquiring:

• Accepting payments by cards of popular payment systems.
• Free issuance and installation of necessary equipment.
• Training.
• Guaranteed security of all transactions.

Internet acquiring

This type of acquiring allows you to accept payments by plastic cards and electronic money through the website. Key conditions for Internet acquiring at Raiffeisenbank:

Advantages of Raiffeisenbank Internet acquiring:

• Convenient integration with online stores.
• Protection against fraudulent activities.
• Work with all popular online platforms.
• 24/7 support.

Online cash register

Raiffeisenbank proposes to install an online cash desk that complies with the standards of 54-FZ. Basic conditions for its connection:

Advantages of using Raiffeisenbank online cash register:

• Fast delivery of equipment.
• 24/7 support.
• Free equipment repair.

Cards for business

Individual entrepreneur and legal entity persons can obtain a debit card from Raiffeisenbank for entertainment and business needs under the following conditions:

Advantages of Raiffeisenbank business cards:

• Minimizing the risk of losing money.
• Ability to set a monthly limit.
• Discounts and special offers from bank partners when paying for purchases.

Customs cards

The bank offers to issue a special card for paying customs duties at checkpoints or through your personal account on the Internet. This is a fast and convenient option for making transactions at customs, since 300 checkpoints are already equipped with POS terminals to accept card payments.

Advantages of Raiffeisenbank customs cards:

• Reducing costs.
• Possibility of issuing several cards within one account.
• Cost control via Email and SMS notifications.

Bank guarantees

The bank provides the following types of guarantees:

• fulfillment of obligations under government procurement within the framework of 44-FZ and 223-FZ;
• in favor of the customer with whom the bank maintains a partnership relationship.

Tariffs and conditions for Raiffeisenbank guarantees:

Advantages of guarantees at Raiffeisenbank:

• Possibility of simultaneous registration of several guarantees.
• No additional fees.
• Individual approach in the registration process.

Currency control

The bank offers a full range of services in terms of currency control. Within the framework of this program, consulting support and assistance in the process of drawing up the necessary documents are provided.

Tariffs for currency control at Raiffeisenbank:

Collection

The bank offers to use the services of its own collection service: daily, at certain hours or based on a submitted application.

Collection options:

• Delivery of proceeds to the bank.
• Recalculation and deposit of cash to the account.
• Transportation of securities, precious metals and other valuables.

Remote account management

The bank has created services for remote business management: RBO Online Bank and ELbrus Client Bank. The systems operate in all browsers and allow you to quickly perform any account operations.

Internet banking capabilities at Raiffeisenbank:

• Sending and receiving statements in different formats.
• Making a large number of payments at once.
• Using one account for multiple company accounts.
• Confirmation of transactions with SMS password.
• Control of cash expenditure.
• Transfers to any accounts.
• Remote connection of the salary project and other services.

Mobile bank

The Raiffeisenbank mobile application allows you to always be aware of all information on your accounts. Service capabilities:

• View current balance data.
• Access to transaction history.
• Transfer of any payments.
• Sending account details to partners.

The company supports the development of small businesses and provides settlement and cash services in any region where the bank is located. Raiffeisenbank's cash and register services include a whole range of services aimed at providing high-quality service and account management.

RKO terms

RKO from Raiffeisenbank offers a varied range of services. You can use any of the services offered or connect to a package of services that will help you save time and money.

Cash settlement services at Raiffeisenbank offer the following types of transactions:

• Opening an account;
• Account reservation;
• Collection;
• Remote maintenance;
• Corporate cards;
• Currency and conversion transactions.

The advantage of cash settlement services at Raiffeisenbank is the ability to open a current account in rubles or foreign currency. Any cash transactions, payments in rubles, deposits, as well as collection and delivery of valuables are available. Also, a bank client can take advantage of a comprehensive package of services with a certain list of operations necessary for successful business.

Tariffs for settlement and cash services

For its clients, Raiffeisenbank offers to connect one of the service packages for cash settlement services that meets their needs:

• Start, with a monthly payment of 990 rubles;
• Basic – 1900 rub.
• Optimum – 2900 rubles;
• Maximum – 7500 rubles.

The specified tariff is applicable for Moscow, Moscow region and St. Petersburg. For other regions, the tariff may differ less. Starting from March 1, 2017, a new tariff plan with changed data comes into force.

The cost of Raiffeisenbank cash settlement services includes opening a current account, as well as the number of payments, according to the tariff plan from 10 to 300 monthly. For the Start package, each payment is paid separately. The price includes issuing corporate plastic cards. Use of the mobile banking service is included in the cost of service for the Optimum, Maximum, Basic packages. For the Start tariff, the fee will be 190 rubles monthly.

There is no fee for transferring funds if monthly payments do not exceed the allowable limit. For each tariff it is different from 100 to 700 thousand rubles monthly.

If necessary, the client can apply to switch from one package to another. You can do this as many times as you like. The commission for one transition is 1000 rubles.

Conclusion

Raiffeisenbank RKO will provide high-quality comprehensive services, timely payments and transfers. For ease of service, remote service is provided, which will allow you to receive all the necessary certificates and documents without leaving your home.

Carrying out settlement and cash transactions is an integral part of every business; the speed of opening an account and the availability of a range of necessary services at reasonable prices are important for every entrepreneur. Raiffeisenbank RCO tariffs for individual entrepreneurs start from 990 rubles per month, which is very attractive for small businesses. The bank can also offer a full range of services for large companies.

RKO from Raiffeisen Bank provides for opening a current account and servicing it. As well as a whole range of services that are necessary for both small businesses and large companies:

Why legal entities choose cash settlement services from Raiffeisen Bank:

• This is a large and reliable international bank, one of the TOP10 in the Russian market;
• Payments are made quickly, without delays;
• It is possible to reserve an account number after filling out an application on the website;
• Account opening is possible in any currency;
• There is no additional fee for opening multiple accounts;
• The bank can collect and transport money/valuable goods;
• Reasonable cost for Raiffeisenbank small business cash settlement services, as well as comprehensive satisfaction of all the needs of the LLC;
• Updated Internet banking is available to everyone; through their personal account, users can view their balance and transaction history, sign payments using SMS and a USB token, create templates and import payment cards from 1C, create reports and upload them to 1C.

What is needed to connect to the service. Terms and documents

Applying for cash settlement at a bank is quite simple and quick; you can fill out an application on the Internet in 10 minutes, reserve an account number and receive details.

Procedure for registration of RKO:

1. On www.raiffeisen.ru, select the RKO section and click Open account;
2. Fill out an online application (example in the figure below): phone number, company name, TIN, type of organization, full name, e-mail, city, branch number;
3. You can order a call for additional consultation, a specialist will contact you within 10 minutes;
4. After agreeing on the terms, the account will be reserved (available for residents of the Russian Federation and individual entrepreneurs), and the details will be sent by email;
5. A mandatory step is account activation; this can be done at a bank branch or you can arrange a visit with the manager.

List of documents for signing the contract:

1. For individual entrepreneurs:

• Statement;
• A copy of the entrepreneur's passport;
• Extract from the Unified State Register of Individual Entrepreneurs.

1. For residents of the Russian Federation:

• Statement;
• Constituent documents;
• Samples of seals;
• The decision to appoint a manager, his passport;
• Confirmation of the authority of persons who can sign documents and their passports;
• License.

1. For non-residents, you additionally need a Certificate of Registration of a Foreign Organization and possibly other documents at the request of the bank.

Tariffs and service fees

Raiffeisenbank offers clients comprehensive tariff offers that can meet the needs of each company.

Rates may vary slightly in different regions. On the website you can select your region and download a detailed tariff book, please note - from 05/28/2018. updated version is in effect.

Raiffeisenbank cash settlement tariffs for legal entities (Moscow):

1. For beginners – Start – 990 ₽/month;
2. Basic – 1900 ₽/month;
3. Optimum – 2900 ₽/month;
4. Maximum – 7500 ₽/month.

Tariffs differ in the number of free payments to counterparties - from 0 to 300 transactions, each transaction over the limit is paid separately - 25 rubles / piece. The limit on the amount available for transfer to cards of individuals also varies - 100-700 thousand rubles.

All tariff plans provide for opening a current account, access to the Internet and mobile banking, only in the starter package for mobile banking, if desired, you need to pay 190 ₽/month. The two most expensive packages provide an SMS service for business, as well as the opening of corporate cards and privileges for an executive - the Gold service package (5% cashback at gas stations, free account opening and travel insurance).

For all company accounts at Raiffeisen Bank, you can choose only one tariff plan. You can change it without restrictions at any time, the cost of such a service is 1000 rubles.